I do not provide substantial services. 

I would chat with a conventional lender about what max leverage they can provide on a refinance, I know with DSCR you will be right around max leverage for a cash out (75% LTV) and it would likely be break even.

Based on the Insurance Market in FL now, you may want to check on both options.Those policies are designed to provide Property and Liability coverage together.  

I also added 4 new basement windows that provide proper egress, rewired the basement and landscaped the yard. 

The below is the closing costs breakdown the lender has provided.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

So far, I assume I was unlucky.Beside that the management team is fine.I am with you.. there are other providers i am sure they will serve you better. 

Last year we were able to connect an investor of a coastal six plex with our personal credit union and due to strength of borrower and property, they provided a non-member with a 25% down mortgage with a 25 year amortization on a property the seller was requiring 'cash only' due to the presumed challenges of multi family financing. 

So know your own numbers and never depend on wholesalers to provide accurate repair costs or ARVs. 

The portion of your homeowner's insurance attributable to the rental unit can be deducted.Building a basement apartment can provide valuable tax deductions if you rent it out.